Side-by-side · honest numbers
ICICI Bank MakeMyTrip Credit Card vs IndusInd Bank Pinnacle Credit Card vs IRCTC ICICI Bank Credit Card
Honest side-by-side comparison of ICICI Bank MakeMyTrip Credit Card, IndusInd Bank Pinnacle Credit Card, IRCTC ICICI Bank Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, ICICI Bank MakeMyTrip Credit Card ranks first for estimated net annual value — ahead of IRCTC ICICI Bank Credit Card by about ₹3,020/yr.
| Feature | ICICI Bank MakeMyTrip Credit Card ICICI Bank | IndusInd Bank Pinnacle Credit Card IndusInd Bank | IRCTC ICICI Bank Credit Card ICICI Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹999 | ₹10,000 | Lifetime free |
| Fee waiver threshold | Waived at ₹3,00,000/yr spend | No waiver published | Lifetime free |
| Min income | ₹35,000/mo | ₹75,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹3,900/yr | -₹7,075/yr | ₹880/yr |
| Travel | 15 pts per ₹150 spend → ₹125/mo (₹1,500/yr) | 3 pts per ₹150 spend → ₹75/mo (₹900/yr) | 10 pts per ₹150 spend → ₹83/mo (₹1,000/yr) |
| Top reward rate | 10X reward points | 3X points/₹150 | 10% reward points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Unlimited domestic lounge access · No quarterly spend gate stated — complimentary with Pinnacle tier | Complimentary railway lounge access at select IRCTC partner stations · Railway lounge benefit — no spend milestone in public T&Cs |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | ₹1,500 | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- IRCTC ICICI Bank Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- ICICI Bank MakeMyTrip Credit Card leads with an estimated ₹3,900/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- IRCTC ICICI Bank Credit Card lists a minimum monthly income of ₹20,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
Customize your spend
Change spend profile or swap cards — results update live below.
ICICI Bank MakeMyTrip Credit Card
ICICI Bank
IndusInd Bank Pinnacle Credit Card
IndusInd Bank
IRCTC ICICI Bank Credit Card
ICICI Bank
Your adjusted comparison
| Feature | ICICI BankPlatinum ICICI Bank MakeMyTrip Credit Card •••• •••• •••• 4242 Quick facts ICICI Bank MakeMyTrip Credit Card Top reward10X reward points Annual fee₹999 Min income₹35,000/mo Tap to flip back ICICI Bank MakeMyTrip Credit Card ICICI Bank | IndusInd BankPlatinum IndusInd Bank Pinnacle Credit Card •••• •••• •••• 4242 Quick facts IndusInd Bank Pinnacle Credit Card Top reward3X points/₹150 Annual fee₹10,000 Min income₹75,000/mo Tap to flip back IndusInd Bank Pinnacle Credit Card IndusInd Bank | ICICI BankClassic IRCTC ICICI Bank Credit Card •••• •••• •••• 4242 Quick facts IRCTC ICICI Bank Credit Card Top reward10% reward points Annual feeLifetime Free Min income₹20,000/mo Tap to flip back IRCTC ICICI Bank Credit Card ICICI Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹999 | ₹10,000 | Lifetime free |
| Fee waiver threshold | Waived at ₹3,00,000/yr spend | No waiver published | Lifetime free |
| Min income | ₹35,000/mo | ₹75,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹3,900/yr | -₹7,075/yr | ₹880/yr |
| Travel | 15 pts per ₹150 spend → ₹125/mo (₹1,500/yr) | 3 pts per ₹150 spend → ₹75/mo (₹900/yr) | 10 pts per ₹150 spend → ₹83/mo (₹1,000/yr) |
| Top reward rate | 10X reward points | 3X points/₹150 | 10% reward points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Unlimited domestic lounge access · No quarterly spend gate stated — complimentary with Pinnacle tier | Complimentary railway lounge access at select IRCTC partner stations · Railway lounge benefit — no spend milestone in public T&Cs |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | ₹1,500 | — | — |
Share this comparison
https://cardhungry.com/in/en/compare/icici-makemytrip-vs-indusind-pinnacle-vs-irctc-iciciMore ICICI Bank MakeMyTrip Credit Card comparisons
- ICICI Bank MakeMyTrip Credit Card vs 811 Dream Different Credit Card
- ICICI Bank MakeMyTrip Credit Card vs AU Altura Credit Card
- ICICI Bank MakeMyTrip Credit Card vs AU Zenith Credit Card
- ICICI Bank MakeMyTrip Credit Card vs American Express Gold Card
- ICICI Bank MakeMyTrip Credit Card vs American Express Platinum Travel Card
- ICICI Bank MakeMyTrip Credit Card vs American Express SmartEarn Credit Card
- ICICI Bank MakeMyTrip Credit Card vs Amex Membership Rewards CC
- ICICI Bank MakeMyTrip Credit Card vs Axis Bank ACE Credit Card
- ICICI Bank MakeMyTrip Credit Card vs Axis Bank Airtel Credit Card
- ICICI Bank MakeMyTrip Credit Card vs Axis Bank Atlas Credit Card
- ICICI Bank MakeMyTrip Credit Card vs Axis Bank Flipkart Credit Card
- ICICI Bank MakeMyTrip Credit Card vs Axis Bank Magnus Credit Card